1. How do start-up enterprises make financing plans?

As far as our previous company is concerned, you should first prepare something that can well show the strength of your products and brands, so that people who want to invest in you can see that you are a potential stock that can be explored ~ The prepared content is good, the products are good, and the questions that the invested company may ask need to be fully thought out in advance, and the PPT should be exquisite ~

All of them need to be carefully prepared ~

Second.

you can borrow from relatives and friends, or get people to partner

Third, how to solve the problem of loans for small and micro enterprises?

The corresponding measures to solve the problem are as follows:

(1) Improve the information service * * * enjoyment mechanism and enhance the micro-borrowing capacity. On the premise of ensuring information security, speed up the construction of information service platform for small and micro enterprises, break the "information island" and realize the "one network * * * sharing" of data for small and micro enterprises. For example, information systems such as the People's Bank of China's enterprise credit information system, the industrial and commercial small and micro enterprise directory system, the SME credit information inquiry system of the Industry and Information Technology Commission, the enterprise credit data inquiry system of the National Development and Reform Commission, the tax payment credit system of the tax bureau and the billing system of water, electricity and gas will be integrated to realize cross-level and cross-regional interconnection. On the one hand, it can guide small and micro enterprises to improve their financial system, operate in good faith and abide by the law, and increase the cost of fraudulent loans and subsidies by forging materials; On the other hand, it can solve the problem that it is difficult for banks to obtain the operating data of small and micro enterprises, improve the small and micro borrowing capacity through the support of real and convenient network big data, and realize the batch issuance of credit for small and micro enterprises.

(2) establish a multi-level financing guarantee fund to enhance the guarantee strength of small and micro enterprises. At present, a financing guarantee fund has been established at the national level, which is mainly used to solve the problem of financing difficulties and lack of collateral for small and micro enterprises, and corresponding guidance has been issued. On the premise of carrying out unified business standards and management requirements, we should speed up the construction of provincial and municipal guarantee systems. Local financial departments can initiate the establishment of provincial and municipal guarantee institutions, integrate existing guarantee funds, and take the mode of local corporate financial institutions contributing shares, not for profit, and rely on the integrated information service platform for small and micro enterprises to improve the provincial and municipal guarantee cooperation mechanism. It is necessary to improve the assessment and incentive mechanism, so that local financial institutions and corporate financial institutions can conscientiously fulfill their obligations as investors and pay the promised funds in place by stages.

(3) Enhance the continuous supply capacity of micro-credit and improve the micro-level of banking services. The regulatory authorities should urge the banks that have not yet set up the inclusive finance Division to set up institutions, fully equip the account managers of small and micro enterprises, and actively set up community branches and small and micro branches that take root at the grassroots level and serve small and micro businesses, so as to give full play to the advantages of the "crowd tactics" of banks. Encourage banks to appropriately delegate the loan authority to small and micro enterprises with a loan amount of less than 1 million yuan, so as to shorten the loan approval chain for small and micro enterprises, actively innovate credit products for small and micro enterprises, flexibly set repayment methods and interest-bearing methods, increase the proportion of online application and approval, realize business automation and batch, improve the service efficiency of small and micro enterprises, and strive to form a small and micro credit factory model. We will improve the internal incentive and assessment mechanism of banks, tilt the performance appraisal to the credit supply of small and micro enterprises, put the due diligence exemption measures for credit granting of small and micro enterprises in place, and improve the tolerance of non-performing loans of small and micro enterprises. Based on big data and cloud computing capabilities, as well as massive transaction data and payment data accumulated on trading platforms such as Taobao and JD.COM, the new Internet bank can fully tap the credit data of small and micro enterprise customers and realize automatic loan approval.

(4) Strictly investigate the bank's misappropriation of credit funds and reduce the financing cost of small and micro enterprises. The regulatory authorities should strengthen supervision and discipline, focus on the special management activities of crowding out credit funds of small and micro enterprises, urge the banking industry to seriously implement the requirements of "seven prohibitions", "four openness" and "two prohibitions and two restrictions", and conduct key investigations on financial institutions where small and micro enterprises have loans and deposits in the same bank and have loans and purchase wealth management products through data capture. The banking industry should establish a service supervision card and a service supervision complaint telephone number for small and micro enterprises to supervise the transfer of loans, the charging of loans and the tying of loans, and effectively use all the credit funds of small and micro enterprises for the production and operation of enterprises.

(5) expand the debt financing channels for small and micro enterprises and lower the financing threshold for small and micro enterprises. Focus on "exerting strength" from two aspects: creditor's rights and equity, and build multi-level debt financing channels. On the one hand, expand the use of financing support tools for small and micro enterprises, support banks to issue special financial bonds for small and micro enterprises, appropriately lower the threshold for issuing bonds, improve the approval efficiency of issuing bonds, improve the exit mechanism of venture capital and angel investment, and promote the capital formation of early small and micro enterprises; On the other hand, standardize the development of the regional equity market, encourage small and micro enterprises to go public and raise funds in the New Third Board and Science and Technology Edition, accelerate the securitization of loan assets of small and micro enterprises, encourage qualified banks to register once and issue in installments independently, and encourage banks to carry out credit asset circulation and income right transfer business of small and micro enterprises in compliance with the regulations in Yindeng Center.

(6) Enhance the confidence of the banking industry in serving small and micro enterprises and reduce the cost of non-performing loans. The disposal of non-performing loans of small and micro enterprises in the banking industry requires a lot of people and property, and the disposal cycle is relatively long. On the one hand, the regulatory authorities should allow the banking industry to dispose of non-performing loans of small and micro enterprises by market means, encourage banks to issue ABS for non-performing loans of small and micro enterprises, flexibly adopt commercial methods such as transfer of non-performing loans and asset replacement, and increase the disposal of non-performing loans of small and micro enterprises; On the other hand, we should improve the public security inspection law, simplify the litigation procedure, improve the efficiency of judicial judgment and execution, reasonably formulate the collateral justice of the judicial department, evaluate the charging standards, strengthen the personnel team and improve the efficiency of handling cases.